8-K Announcements
6Apr 30, 2026·SEC
Apr 28, 2026·SEC
Mar 16, 2026·SEC
Renasant Corporation (RNST) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Renasant Corporation (RNST) stock price & volume — 10-year historical chart
Renasant Corporation (RNST) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Renasant Corporation (RNST) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.93vs $0.84+10.7% | $274Mvs $276M-0.7% |
| Q1 2026 | Jan 27, 2026 | $0.91vs $0.80+13.8% | $279Mvs $276M+1.0% |
| Q4 2025 | Oct 28, 2025 | $0.77vs $0.67+14.4% | $235Mvs $273M-14.1% |
| Q3 2025 | Jul 22, 2025 | $0.69vs $0.68+1.5% | $226Mvs $272M-16.8% |
Renasant Corporation (RNST) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
Renasant Corporation (RNST) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Renasant Corporation (RNST) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 336.9M | 396.52M | 443.66M | 426.8M | 424M | 481.3M | 519.33M | 512.2M | 803.97M |
| NII Growth % | 11.93% | 17.7% | 11.89% | -3.8% | -0.66% | 13.51% | 7.9% | -1.37% | 56.97% |
| Net Interest Margin % | 3.43% | 3.07% | 3.31% | 2.86% | 2.52% | 2.83% | 2.99% | 2.84% | 3.01% |
| Interest Income | 374.75M | 461.85M | 542.58M | 498.13M | 468.69M | 541.81M | 797.32M | 887.78M | 1.26B |
| Interest Expense | 37.85M | 65.33M | 98.92M | 71.33M | 44.68M | 60.51M | 277.99M | 375.58M | 458.29M |
| Loan Loss Provision | 7.55M | 6.81M | 7.05M | 86.85M | -2.17M | 23.87M | 15.59M | 9.27M | 107.46M |
| Non-Interest Income | 132.14M | 143.96M | 153.25M | 233.49M | 226.98M | 149.25M | 112.45M | 150.25M | 181.88M |
| Non-Interest Income % | 26.07% | 23.76% | 22.02% | 31.91% | 32.63% | 21.6% | 12.36% | 14.47% | 12.59% |
| Total Revenue | 506.89M▲ 0% | 605.82M▲ 19.5% | 695.83M▲ 14.9% | 731.62M▲ 5.1% | 695.67M▼ 4.9% | 691.06M▼ 0.7% | 909.77M▲ 31.6% | 1.04B▲ 14.1% | 1.44B▲ 39.1% |
| Revenue Growth % | 8.65% | 19.52% | 14.86% | 5.14% | -4.91% | -0.66% | 31.65% | 14.1% | 39.12% |
| Non-Interest Expense | 301.62M | 345.03M | 374.17M | 469.95M | 430.33M | 395.37M | 439M | 408.21M | 651.66M |
| Efficiency Ratio | 59.5% | 56.95% | 53.77% | 64.23% | 61.86% | 57.21% | 48.25% | 39.33% | 45.12% |
| Operating Income | 159.87M▲ 0% | 188.65M▲ 18.0% | 215.69M▲ 14.3% | 103.49M▼ 52.0% | 222.83M▲ 115.3% | 211.31M▼ 5.2% | 177.19M▼ 16.1% | 244.97M▲ 38.3% | 226.73M▼ 7.4% |
| Operating Margin % | 31.54% | 31.14% | 31% | 14.15% | 32.03% | 30.58% | 19.48% | 23.6% | 15.7% |
| Operating Income Growth % | 17.74% | 18% | 14.33% | -52.02% | 115.31% | -5.17% | -16.15% | 38.25% | -7.44% |
| Pretax Income | 159.87M▲ 0% | 188.65M▲ 18.0% | 215.69M▲ 14.3% | 103.49M▼ 52.0% | 222.83M▲ 115.3% | 211.31M▼ 5.2% | 177.19M▼ 16.1% | 244.97M▲ 38.3% | 226.73M▼ 7.4% |
| Pretax Margin % | 31.54% | 31.14% | 31% | 14.15% | 32.03% | 30.58% | 19.48% | 23.6% | 15.7% |
| Income Tax | 67.68M | 41.73M | 48.09M | 19.84M | 46.94M | 45.24M | 32.51M | 49.51M | 45.46M |
| Effective Tax Rate % | 42.34% | 22.12% | 22.3% | 19.17% | 21.06% | 21.41% | 18.35% | 20.21% | 20.05% |
| Net Income | 92.19M▲ 0% | 146.92M▲ 59.4% | 167.6M▲ 14.1% | 83.65M▼ 50.1% | 175.89M▲ 110.3% | 166.07M▼ 5.6% | 144.68M▼ 12.9% | 195.46M▲ 35.1% | 181.27M▼ 7.3% |
| Net Margin % | 18.19% | 24.25% | 24.09% | 11.43% | 25.28% | 24.03% | 15.9% | 18.83% | 12.55% |
| Net Income Growth % | 1.38% | 59.37% | 14.07% | -50.09% | 110.27% | -5.59% | -12.88% | 35.1% | -7.26% |
| Net Income (Continuing) | 92.19M | 146.92M | 167.6M | 83.65M | 175.89M | 166.07M | 144.68M | 195.46M | 181.27M |
| EPS (Diluted) | 1.96▲ 0% | 2.79▲ 42.3% | 2.88▲ 3.2% | 1.48▼ 48.6% | 3.12▲ 110.8% | 2.95▼ 5.4% | 2.58▼ 12.5% | 3.27▲ 26.7% | 2.07▼ 36.7% |
| EPS Growth % | -9.68% | 42.35% | 3.23% | -48.61% | 110.81% | -5.45% | -12.54% | 26.74% | -36.7% |
| EPS (Basic) | 1.97 | 2.80 | 2.89 | 1.49 | 3.13 | 2.97 | 2.58 | 3.29 | 2.09 |
| Diluted Shares Outstanding | 47M | 52.63M | 58.23M | 56.47M | 56.42M | 56.21M | 56.14M | 59.75M | 95.17M |
Renasant Corporation (RNST) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 952.94M | 1.82B | 1.71B | 1.98B | 4.26B | 2.11B | 1.72B | 1.92B | 1.07B |
| Cash & Due from Banks | 281.45M | 569.11M | 414.93M | 633.2M | 1.88B | 575.99M | 801.35M | 1.09B | 1.07B |
| Short Term Investments | 671.49M | 1.25B | 1.29B | 1.34B | 2.39B | 1.53B | 923.28M | 831.01M | 0 |
| Total Investments | 8.3B | 10.63B | 11.16B | 12.44B | 13.04B | 14.24B | 14.36B | 14.8B | 22.63B |
| Investments Growth % | 13.35% | 28.14% | 4.99% | 11.49% | 4.77% | 9.23% | 0.86% | 3.03% | 52.88% |
| Long-Term Investments | 7.63B | 9.38B | 9.87B | 11.1B | 10.65B | 12.71B | 13.44B | 13.97B | 22.63B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 674.89M | 1.03B | 1.03B | 1.03B | 1.05B | 1.1B | 1.1B | 1.08B | 1.55B |
| Goodwill | 611.05M | 932.93M | 939.68M | 939.68M | 939.68M | 991.71M | 991.66M | 988.9M | 1.41B |
| Intangible Assets | 63.85M | 93.09M | 90.47M | 93.13M | 113.12M | 108.62M | 110.48M | 87.1M | 146.61M |
| PP&E (Net) | 183.25M | 209.17M | 309.7M | 300.5M | 293.12M | 283.6M | 283.19M | 279.8M | 465.14M |
| Other Assets | 336.46M | 434.27M | 399.48M | 444.37M | 473.74M | 673.96M | 696.69M | 700.49M | 1.04B |
| Total Current Assets | 1.01B | 1.88B | 1.79B | 2.06B | 4.34B | 2.22B | 1.84B | 2.01B | 1.07B |
| Total Non-Current Assets | 8.82B | 11.05B | 11.61B | 12.88B | 12.47B | 14.77B | 15.52B | 16.02B | 25.68B |
| Total Assets | 9.83B▲ 0% | 12.93B▲ 31.6% | 13.4B▲ 3.6% | 14.93B▲ 11.4% | 16.81B▲ 12.6% | 16.99B▲ 1.1% | 17.36B▲ 2.2% | 18.03B▲ 3.9% | 26.75B▲ 48.3% |
| Asset Growth % | 12.99% | 31.59% | 3.6% | 11.41% | 12.6% | 1.06% | 2.19% | 3.88% | 48.33% |
| Return on Assets (ROA) | 1% | 1.29% | 1.27% | 0.59% | 1.11% | 0.98% | 0.84% | 1.1% | 0.81% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 297.36M | 651.32M | 865.6M | 496.31M | 485.16M | 1.14B | 736.98M | 538.63M | 1.06B |
| Net Debt | 15.91M | 82.21M | 450.67M | -136.89M | -1.39B | 564.37M | -64.37M | -553.4M | -15.19M |
| Long-Term Debt | 207.55M | 263.62M | 376.51M | 474.97M | 471.21M | 428.13M | 429.4M | 430.61M | 499.76M |
| Short-Term Debt | 89.81M | 387.71M | 489.09M | 21.34M | 13.95M | 712.23M | 307.58M | 108.02M | 555.77M |
| Other Liabilities | 96.56M | 111.08M | 196.16M | 241.49M | 209.58M | 224.83M | 249.39M | 245.31M | 21.81B |
| Total Current Liabilities | 8.01B | 10.52B | 10.7B | 12.08B | 13.92B | 14.2B | 14.38B | 14.68B | 555.77M |
| Total Non-Current Liabilities | 304.11M | 374.7M | 572.67M | 716.46M | 680.79M | 652.96M | 678.79M | 675.92M | 22.31B |
| Total Liabilities | 8.31B | 10.89B | 11.27B | 12.8B | 14.6B | 14.85B | 15.06B | 15.36B | 22.87B |
| Total Equity | 1.51B▲ 0% | 2.04B▲ 34.9% | 2.13B▲ 4.0% | 2.13B▲ 0.3% | 2.21B▲ 3.6% | 2.14B▼ 3.3% | 2.3B▲ 7.6% | 2.68B▲ 16.6% | 3.88B▲ 45.1% |
| Equity Growth % | 22.88% | 34.91% | 4% | 0.33% | 3.62% | -3.34% | 7.55% | 16.58% | 45.05% |
| Equity / Assets (Capital Ratio) | 15.41% | 15.8% | 15.86% | 14.29% | 13.15% | 12.57% | 13.23% | 14.85% | 14.52% |
| Return on Equity (ROE) | 6.71% | 8.26% | 8.04% | 3.93% | 8.1% | 7.64% | 6.53% | 7.86% | 5.52% |
| Book Value per Share | 32.23 | 38.84 | 36.51 | 37.77 | 39.16 | 38.00 | 40.92 | 44.83 | 40.82 |
| Tangible BV per Share | 17.87 | 19.34 | 18.82 | 19.48 | 20.51 | 18.42 | 21.29 | 26.82 | 24.51 |
| Common Stock | 249.95M | 296.48M | 296.48M | 296.48M | 296.48M | 296.48M | 296.48M | 332.42M | 488.61M |
| Additional Paid-in Capital | 898.1M | 1.29B | 1.29B | 1.3B | 1.3B | 1.3B | 1.31B | 1.49B | 2.39B |
| Retained Earnings | 397.35M | 500.66M | 617.36M | 615.77M | 741.65M | 857.73M | 952.12M | 1.09B | 1.2B |
| Accumulated OCI | -10.51M | -17.9M | 764K | 25.07M | -10.44M | -209.04M | -154.26M | -142.61M | -89.73M |
| Treasury Stock | -19.91M | -24.25M | -83.19M | -101.55M | -118.03M | -111.58M | -105.25M | -97.2M | -103.49M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Renasant Corporation (RNST) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 207.04M | 82.11M | 163.62M | 82.24M | 142.66M | 574.04M | 148.55M | 129.43M | 271.47M |
| Operating CF Growth % | 26.4% | -60.34% | 99.27% | -49.74% | 73.46% | 302.39% | -74.12% | -12.88% | 109.75% |
| Net Income | 92.19M | 146.92M | 167.6M | 83.65M | 175.89M | 166.07M | 144.68M | 195.46M | 181.27M |
| Depreciation & Amortization | 4.83M | 3.5M | 8.19M | 34.63M | 47.35M | 42.74M | 35.23M | 32.28M | 16.21M |
| Deferred Taxes | 37.95M | 16.44M | 20.04M | -13.66M | 11.41M | 2.28M | -5M | 4.65M | 1.69M |
| Other Non-Cash Items | 80.49M | -38.2M | -30.83M | -810K | -38.34M | 387.4M | -12.08M | -93.98M | 72.65M |
| Working Capital Changes | -13.71M | -53.8M | -11.57M | -32.15M | -63.73M | -35.95M | -27.99M | -22.87M | -18.07M |
| Cash from Investing | 69.66M | -503.29M | -505.91M | -1.27B | -660M | -2.04B | -55.4M | -298.04M | -734.02M |
| Purchase of Investments | -210.19M | -686.89M | -492.02M | -515.66M | -2.16B | -804.9M | -11.9M | -174.23M | -1.2B |
| Sale/Maturity of Investments | 680.67M | 163.09M | 474.77M | 482.89M | 636.72M | 452.95M | 747.96M | 368.19M | 997.79M |
| Net Investment Activity | 470.48M | -523.8M | -17.25M | -32.77M | -1.52B | -351.94M | 736.06M | 193.96M | -203.27M |
| Acquisitions | 41.69M | 153.5M | -250K | 0 | 0 | -120.89M | 0 | 55.33M | 261.48M |
| Other Investing | -429.45M | -110.63M | -453.45M | -1.2B | 883.86M | -1.56B | -769.83M | -533.69M | -792.24M |
| Cash from Financing | -301.47M | 708.83M | 188.11M | 1.4B | 1.76B | 167.64M | 132.21M | 459.3M | 441.24M |
| Dividends Paid | -34.42M | -43.61M | -50.9M | -50.13M | -50.02M | -49.99M | -50.28M | -53.73M | -78.6M |
| Share Repurchases | 0 | -7.06M | -62.94M | -24.57M | -21.32M | 0 | 0 | 0 | -13.34M |
| Stock Issued | 173K | 0 | 0 | 0 | 0 | 0 | 0 | 217M | 0 |
| Net Stock Activity | 173K | -7.06M | -62.94M | -24.57M | -21.32M | 0 | 0 | 217M | -13.34M |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | 1000K |
| Other Financing | -76.96M | 496.61M | 85.92M | 1.85B | 1.85B | -418.76M | 589.82M | 495.83M | 443.67M |
| Net Change in Cash | -24.77M▲ 0% | 287.66M▲ 1261.3% | -154.18M▼ 153.6% | 218.27M▲ 241.6% | 1.24B▲ 470.3% | -1.3B▼ 204.6% | 225.36M▲ 117.3% | 290.68M▲ 29.0% | -21.31M▼ 107.3% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 306.22M | 281.45M | 569.11M | 414.93M | 633.2M | 1.88B | 575.99M | 801.35M | 1.09B |
| Cash at End | 281.45M | 569.11M | 414.93M | 633.2M | 1.88B | 575.99M | 801.35M | 1.09B | 1.07B |
| Interest Paid | 36.89M | 66.71M | 98.4M | 73.69M | 45.74M | 54.56M | 239.61M | 381M | 0 |
| Income Taxes Paid | 32.56M | 24.52M | 26.73M | 39.99M | 50.98M | 41.76M | 42.05M | 29.07M | 0 |
| Free Cash Flow | 194M▲ 0% | 59.75M▼ 69.2% | 128.66M▲ 115.3% | 53.97M▼ 58.0% | 122.14M▲ 126.3% | 559.21M▲ 357.8% | 126.92M▼ 77.3% | 115.78M▼ 8.8% | 237.75M▲ 105.3% |
| FCF Growth % | 29.13% | -69.2% | 115.32% | -58.05% | 126.31% | 357.83% | -77.3% | -8.78% | 105.35% |
Renasant Corporation (RNST) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.01% | 6.71% | 8.26% | 8.04% | 3.93% | 8.1% | 7.64% | 6.53% | 7.86% | 5.52% |
| Return on Assets (ROA) | 1.09% | 1% | 1.29% | 1.27% | 0.59% | 1.11% | 0.98% | 0.84% | 1.1% | 0.81% |
| Net Interest Margin | 3.46% | 3.43% | 3.07% | 3.31% | 2.86% | 2.52% | 2.83% | 2.99% | 2.84% | 3.01% |
| Efficiency Ratio | 63.25% | 59.5% | 56.95% | 53.77% | 64.23% | 61.86% | 57.21% | 48.25% | 39.33% | 45.12% |
| Equity / Assets | 14.17% | 15.41% | 15.8% | 15.86% | 14.29% | 13.15% | 12.57% | 13.23% | 14.85% | 14.52% |
| Book Value / Share | 29.38 | 32.23 | 38.84 | 36.51 | 37.77 | 39.16 | 38 | 40.92 | 44.83 | 40.82 |
| NII Growth | 24.71% | 11.93% | 17.7% | 11.89% | -3.8% | -0.66% | 13.51% | 7.9% | -1.37% | 56.97% |
| Dividend Payout | 32.7% | 37.33% | 29.69% | 30.37% | 59.93% | 28.44% | 30.1% | 34.75% | 27.49% | 43.36% |
Renasant Corporation (RNST) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 30, 2026·SEC
Apr 28, 2026·SEC
Mar 16, 2026·SEC
Renasant Corporation (RNST) stock FAQ — growth, dividends, profitability & financials explained
Renasant Corporation (RNST) grew revenue by 39.1% over the past year. This is strong growth.
Yes, Renasant Corporation (RNST) is profitable, generating $181.3M in net income for fiscal year 2025 (12.6% net margin).
Yes, Renasant Corporation (RNST) pays a dividend with a yield of 2.03%. This makes it attractive for income-focused investors.
Renasant Corporation (RNST) has a return on equity (ROE) of 5.5%. This is below average, suggesting room for improvement.
Renasant Corporation (RNST) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.
Renasant Corporation (RNST) has an efficiency ratio of 45.1%. This is excellent, indicating strong cost control.
Renasant Corporation (RNST) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates